honor or reverence from any one, he reverenced her from a distance and dowered her with all the virtues in the Bible and most of those in Shakespeare.

This big, dark, abstracted man who was so nervous when a pony cantered behind him, used to moon in the train of Mrs. Reiver, blushing with pleasure when she threw a word or two his way. His admiration was strictly platonic: even other women saw and admitted this. He did not move out in Simla, so he heard nothing against his idol: which was satisfactory. Mrs. Reiver took no special notice of him, beyond seeing that he was added to her list of admirers, and going for a walk with him now and then, just to show that he was her property, claimable as such. Moriarty must have done most of the talking, for Mrs. Reiver couldn't talk much to a man of his stamp ; and the little she said could not have been profitable. What Moriarty believed in, as he had good reason to, was Mrs. Reiver's influence over him, and, in that belief, set himself seriously to try to do away with the vice that only he himself knew of.

His experiences while he was fighting with it must have been peculiar, but he never described them. Sometimes he would hold off from everything except water for a week. Then, on a rainy night, when no one had asked him out to dinner, and there was a big fire in his room, and everything comfortable, he would sit down and make a big night of it by adding little nip to little nip, planning big schemes of reformation meanwhile, until he threw himself on his bed hopelessly drunk. He suffered next morning.

One night, the big crash came. He was troubled in his own mind over his attempts to make himself "worthy of the friendship" of Mrs. Reiver. The past ten days. had been very bad ones, and the end of it all was

that he received the arrears of two and three quarter years of sipping in one attack of delirium tremens of the subdued kind; beginning with suicidal depression, going on to fits and starts and hysteria, and ending with downright raving. As he sat in a chair in front of the fire, or walked up and down the room picking a handkerchief to pieces, you heard what poor Moriarty really thought of Mrs. Reiver, for he raved about her and his own fall for the most part; though he ravelled some P. W. D. accounts into the same skein of thought. He talked and talked, and talked in a low dry whisper to himself, and there was no stopping him. He seemed to know that there was something wrong, and twice tried to pull himself together and confer rationally with the Doctor; but his mind ran out of control at once, and he fell back to a whisper and the story of his troubles. It is terrible to hear a big man babbling like a child of all that a man usually locks up, and puts away in the deep of his heart. Moriarty read out his very soul for the benefit of any one who was in the room between ten-thirty that night and two-forty-five next morning.

From what he said, one gathered how immense an influence Mrs. Reiver held over him, and how thoroughly he felt for his own lapse. His whisperings cannot, of course, be put down here; but they were very instructive as showing the errors of his estimates.

When the trouble was over, and his few acquaintances were pitying him for the bad attack of jungle-fever that had so pulled him down, Moriarty swore a big oath to himself and went abroad again with Mrs. Reiver till the end of the season, adoring her in a quiet and deferential way as an angel from heaven. Later on he took to riding

-not hacking but honest riding-which was good proof that he was improving, and you could slam doors behind him without his jumping to his feet with a gasp. That, again, was hopeful.

How he kept his oath, and what it cost him in the beginning nobody knows. He certainly managed to compass the hardest thing that a man who has drunk heavily can do. He took his peg and wine at dinner; but he never drank alone, and never let what he drank have the least hold on him.

Once he told a bosom-friend the story of his great trouble, and how the "influence of a pure honest woman, and an angel as well" had saved him. When the man -startled at anything good being laid to Mrs. Reiver's door-laughed, it cost him Moriarty's friendship. Moriarity who is married now to a woman ten thousand times better than Mrs. Reiver-a woman who believes that there is no man on earth as good and clever as her husband-will go down to his grave vowing and protesting that Mrs. Reiver saved him from ruin in both worlds.

That she knew anything of Moriarity's weakness nobody believed for a moment. That she would have cut him dead, thrown him over, and acquainted all her friends with her discovery, if she had known of it, nobody who knew her doubted for an instant.

Moriarity thought her something she never was, and in that belief saved himself. Which was just as good as though she had been everything that he had imagined.

But the question is, what claim will Mrs. Reiver have to the credit of Moriarity's salvation, when her day of reckoning comes?

A BANK FRAUD.

He drank strong waters and his speech was coarse ;
He purchased raiment and forebore to pay;
He struck a trusting junior with a horse,
And won Gymkhanas in a doubtful way.
Then, 'twixt a vice and folly, turned aside

To do good deeds and straight to cloak them, lied.
The Mess Room.

IF Reggie Burke were in India now, he would resent this tale being told; but as he is in Hongkong and won't see it, the telling is safe. He was the man who worked the big fraud on the Sind and Sialkote Bank. He was manager of an up-country Branch, and a sound practical man with a large experience of native loan and insurance work. He could combine the frivolities of ordinary life with his work, and yet do well. Reggie Burke rode anything that would let him get up, danced as neatly as he rode, and was wanted for every sort of amusement in the Station.

As he said himself, and as many men found out rather to their surprise, there were two Burkes, both very much at your service. "Reggie Burke," between four and ten, ready for anything from a hot-weather gymkhana to a riding-picnic; and, between ten and four, "Mr. Reginald Burke, Manager of the Sind and Sialkote Branch Bank." You might play polo with him one afternoon and hear him express his opinions when a man crossed; and you might call on him next morning to raise a two-thousand rupee loan on a five hundred pound insurance-policy,

eighty pounds paid in premiums. He would recognize you, but you would have some trouble in recognizing him.

The Directors of the Bank-it had its head-quarters in Calcutta and its General Manager's word carried weight with the Government-picked their men well. They had tested Reggie up to a fairly severe breaking-strain. They trusted him just as much as Directors ever trust Managers. You must see for yourself whether their trust was misplaced.

Reggie's Branch was in a big Station, and worked with the usual staff-one Manager, one Accountant, both English, a Cashier, and a horde of native clerks; besides the Police patrol at nights outside. The bulk of its work, for it was in a thriving district, was hoondi and accommodation of all kinds. A fool has no grip of this sort of business; and a clever man who does not go about among his clients, and know more than a little of their affairs, is worse than a fool. Reggie was young looking, clean-shaved, with a twinkle in his eye, and a head that nothing short of a gallon of the Gunners' Madeira could make any impression on.

One day, at a big dinner, he announced casually that the Directors had shifted on to him a Natural Curiosity, from England, in the Accountant line. He was perfectly correct. Mr. Silas Riley, Accountant, was a most curious animal-a long, gawky, rawboned Yorkshireman, full of the savage self-conceit that blossoms only in the best county in England. Arrogance was a mild word for the mental attitude of Mr. S. Riley. He had worked himself up, after seven years, to a Cashier's position in a Huddersfield Bank; and all his experience lay among the factories of the North. Perhaps he would. have done better on the Bombay side, where they are